Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs HDFC Millennia Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, HDFC Millennia Credit Card, Kotak Urbane Gold Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of Axis Bank Atlas Credit Card by about ₹2,028/yr.
| Feature | Axis Bank Atlas Credit Card Axis Bank | HDFC Millennia Credit Card HDFC Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹1,000 | ₹1,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹50,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹8,830/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5 EDGE Miles/₹150 | 5% | 3X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹1,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Atlas Credit Card
Axis Bank
HDFC Millennia Credit Card
HDFC Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Atlas Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Atlas Credit Card Top reward5 EDGE Miles/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back Axis Bank Atlas Credit Card Axis Bank | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹1,000 | ₹1,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹50,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹8,830/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5 EDGE Miles/₹150 | 5% | 3X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹1,000 | — |
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https://cardhungry.com/in/en/compare/axis-atlas-vs-hdfc-millennia-vs-kotak-urbaneMore Axis Bank Atlas Credit Card comparisons
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